Do you offer family health insurance in Africa

Question: 
If a family is scattered with some members in Tanzania and others in Cameroon, can you offer efficient health insurance coverage to such a family as a whole?

Answer: 

Pacific Prime
can offer family health insurance that can protect your family in whichever
location you may require. The plans we offer are guaranteed renewable for life
and are globally portable; meaning you and your family members could receive
care in Tanzania, Cameroon
and other worldwide destinations you may choose to relocate to during the
lifetime of your policy.

We work with
over 60 leading health
insurance providers and all can offer a family
insurance plan as basic or as comprehensive as you require for your
particular situation.

The family
plans we work with are designed for local and expatriate families alike but
particularly specialise in those families living and regularly travelling
abroad from their original country of residence. To make sure you can still
receive high levels of care, no matter what country you are in, our plans will
typically help you to access treatment with the doctor or hospital of your
choice anywhere in the world.

In terms of the
cost of worldwide health
insurance coverage, your family will usually be offered one of two options
to consider; worldwide coverage or worldwide excluding the USA coverage. The reason for this
simply being that healthcare in the US is the most costly in the world
and it is therefore recommended to exclude it from your coverage if you do not
intend on travelling there for the duration of your policy so as to help cut
your total premium price.

Speaking of premiums,
when calculating the total cost of your coverage, your provider will usually
take your age and your family’s current location and base their calculations on
those two factors so; any previous claims history you may have made in the past
will not have an impact on your total premium.

Family
insurance plans will typically coverage a range of benefits and coverage
options for you to make your selection from. What’s more, here at Pacific
Prime, we can usually help you to customise your plan so it is perfectly suited
to your family’s exact requirements.

Inpatient and
outpatient coverage will typically be offered by most providers in a family
health insurance plan. While inpatient
coverage refers to treatment that requires an overnight stay in hospital, outpatient
benefits typically cover general practitioner fees, medical tests and
prescription medicines and are particularly beneficial to families, especially
if you still have younger children who often require more visits to the doctors
for regular health checkups.

Family health
plans offer additional optional benefits such as:

Dental
health insurance
Maternity
health insurance
Emergency
evacuation & repatriation
Chronic
conditions
Vaccinations
Personal
accident cover

Your family may
want to consider adding emergency
evacuation cover to your insurance plan as healthcare in certain parts of Africa can be very varied and you may not always be in
close proximity to a hospital or medical facility that could offer you the
right treatment in an emergency situation. If your family members often travel
around different countries within Africa, it is highly recommended you opt for
this benefit as the costs of transporting you or your family to a capable
hospital, or even back to your home country if necessary, can be extortionate
but having the appropriate coverage can help put your mind at rest and allow
you to focus on the wellbeing of your family.

All benefits
can usually be offered to all family members, however it is important to note
that children will typically only be included up until the age of 18. Some companies
will allow for certain exceptions though, such as whether your child is still
studying, in which case coverage may be extended until your child reaches 21
years of age.

Another
important issue to note is that typically, most providers will not offer
coverage for pre-existing
health conditions. So if you or any of your family members have previously
suffered from a health condition, or received treatment leading up to the start
date of your policy, coverage may be denied for that particular condition. If
you have reason to be concerned about this issue, please do not hesitate to contact a member
of our expert team and we can answer any further questions you may have.

Pacific Prime
can also help you stay up to date with the latest happenings in countries all
over the world. If you are planning on visiting somewhere new, or want to find
out a bit more about a countries health sector, history, or culture, check out
our homepage for a list of all
the countries we can provide information on.

If you have
anymore questions or queries, the team here at Pacific Prime are always happy
to help. Simply fill in the short request form found at the top of this page at
your own convenience, or speak to us directly by contacting us here
and one of our expert brokers will provide you with any answers you may need.